In Wells Fargo's most recent Ninth Circuit appellate victory, the consumer wasn't even represented on appeal. Wells Fargo has a rich history of litigating unfavorable consumer bankruptcy opinion appeals in the Ninth Circuit.

Whether or not Sternberg was poorly reasoned is up for debate. A majority of courts seem to think it was, including the Court of Appeals for the 5th Circuit and Bankruptcy Appellate Panels for the 1st and 6th Circuits.

What is clear is that Sternberg produced absurd results for consumers who could no longer afford to enforce the bankruptcy rules against national banks and large corporations.

In re Schwartz-Tallard evens the playing field again, by allowing consumers to recoup the expenses of holding Wall Street responsible for its bankruptcy rule violations.

un·der·dog

noun

1. a competitor expected to lose in a fight.

2. a person with little status in society.

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